Call reports 2009
FIRST NATIONAL BANK OF BYERS, THE — 2009
What FIRST NATIONAL BANK OF BYERS, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 86,892,000 | 83,497,000 | 90,048,000 | 86,477,000 |
| Total loans | 48,478,000 | 48,557,000 | 48,769,000 | 51,072,000 |
| Allowance for loan losses | 783,000 | 822,000 | 781,000 | 811,000 |
| Securities available for sale | 15,020,000 | 16,994,000 | 16,333,000 | 14,242,000 |
| Securities held to maturity | 1,418,000 | 1,417,000 | 1,310,000 | 1,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,407,000 | 73,078,000 | 79,418,000 | 76,001,000 |
| Interest-bearing deposits | 51,058,000 | 50,593,000 | 49,840,000 | 48,374,000 |
| Noninterest-bearing deposits | 25,349,000 | 22,484,000 | 29,578,000 | 27,627,000 |
| Equity capital | 10,202,000 | 10,104,000 | 10,215,000 | 10,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,049,000 | 2,082,000 | 3,101,000 | 4,090,000 |
| Interest expense | 180,000 | 323,000 | 451,000 | 565,000 |
| Net interest income | 869,000 | 1,759,000 | 2,650,000 | 3,525,000 |
| Noninterest income | 117,000 | 254,000 | 399,000 | 577,000 |
| Noninterest expense | 864,000 | 1,809,000 | 2,735,000 | 3,565,000 |
| Provision for loan losses | 35,000 | 90,000 | 90,000 | 108,000 |
| Pretax income | 87,000 | 114,000 | 224,000 | 429,000 |
| Income tax | 23,000 | 22,000 | 49,000 | 113,000 |
| Net income | 64,000 | 92,000 | 175,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,898,000 | 9,926,000 | 10,009,000 | 10,145,000 |
| Total capital | 10,580,000 | 10,613,000 | 10,703,000 | 10,854,000 |
| Risk-weighted assets | 54,443,000 | 54,822,000 | 55,420,000 | 56,630,000 |